Here's a question that might hit close to home: when you're crafting retirement recommendations, are you addressing the three big risks that keep clients awake at night — or are you unknowingly leaving them exposed to sequence of returns risk, longevity risk, and inflation erosion?

As paraplanners, we have the power to transform retirement outcomes by understanding how product innovations can take these critical risks off the table. But are we truly using the full toolkit available to us? Or are we sticking with conventional approaches that might not deliver the stable, reliable income our clients need?

It matters because retirement planning has evolved beyond traditional drawdown strategies. The FCA expects us to distinguish between accumulation and decumulation approaches, and innovative product solutions now exist that can protect clients from running out of money — even if they live to 100.

Join us online at 1pm on 15 October 2025, for part two of our exploration into the retirement risk zone, focusing specifically on how product innovations can deliver better outcomes for your clients. 

In this online Assembly Connor Stewart from Standard Life joins host, Richard Allum, to explore this facet of the retirement risk zone.

Together, they'll explore what clients truly want from retirement (and what terrifies them), how regulatory expectations are driving change, and most importantly, how you can use cutting-edge product solutions to deliver the security and growth your clients need.

revisit what clients want from retirement and what keeps them awake at night

understand how FCA guidance shapes our approach to retirement risk zone planning

explore how sequence of returns risk, longevity risk, and inflation can be effectively managed

examine innovative product solutions including smooth funds and guaranteed lifetime income

work through real case studies that bring these concepts to life

discover practical strategies for incorporating these innovations into your recommendations

You'll leave this Assembly with actionable insights into product innovations that can transform your retirement planning approach. You'll understand how to match these solutions to specific client needs and circumstances, ensuring you can deliver genuinely tailored retirement strategies.

Most of all, this session will equip you with practical tools and case study examples so you can confidently recommend product innovations that protect clients from the major retirement risks while helping them achieve their long-term goals.

Level up your retirement advice: Navigate the tools that matter most